Youi Insurance Claim Guide for Policyholders

If you're a Youi insurance policyholder and need to make a claim, don't worry, it's a relatively straightforward process.

You can submit a claim online through the Youi website, by phone, or by email, and you'll need to provide some basic information about your policy and the incident.

Youi will then assess your claim and determine whether it's covered under your policy. This typically takes around 3-5 business days.

Once your claim is approved, Youi will work with you to settle the claim as quickly as possible.

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Submitting a claim with Youi is simple and can be done in a few easy steps. You can either give them a call to chat with one of their experienced Claims Advisors or submit a claim online or via the Youi app.

To get started, make sure you have your policy number, contact details, and details of the incident on hand. It's always best to get in touch sooner rather than later.

You have up to 30 days after the incident to submit your claim, so don't worry if you need a little time to gather your thoughts.

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The claim process at Youi Insurance is designed to be smooth and efficient. Once you've submitted your claim, the team will get straight onto assessing the damage.

Your vehicle will be thoroughly assessed for damage, with a dedicated Claims Assessor overseeing the process and communications. This will help identify the scope of work needed to get you back on the road.

You can expect regular updates from your Claims Advisor and Assessor as the claim advances, and you can even track the progress of your claim using the Youi online Claims Tracker tool.

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So, you've made a claim and now you're wondering what happens next. Once you've submitted your claim, the team at Youi will get straight onto assessing the damage. They have a dedicated Claims Crew who will help you every step of the way.

Your vehicle will be thoroughly assessed for damage by a Claims Assessor, with your Youi Claims Advisor overseeing the process and communications. This ensures that everything is done efficiently and effectively.

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Depending on the type of claim, you may be directed to a member service provider or have a dedicated Claims Assessor allocated to your case. Either way, you'll be kept informed of the progress of your claim.

You can also use the Youi online Claims Tracker tool to see how things are progressing at any time. This is a convenient way to stay up-to-date on the status of your claim.

Once the assessment is complete and the scope of work is finalised, the Claims Crew will make a decision on your claim. If everything is approved, repairs or organising replacements can commence.

Here are some key steps in the claims process:

If your insurance claim is rejected, it's usually because you haven't followed the terms and conditions of your policy.

One of the main reasons for claim rejection is failing to pay your insurance premium on time. If you're late with a payment, your claim could be denied.

You might also face rejection if you were driving under the influence of drugs or alcohol at the time of the incident. This is a serious offense and can have severe consequences.

Intentionally causing damage to someone else's vehicle or property can also lead to a rejected claim. This is considered a deliberate act and won't be covered by your insurance policy.

If you've submitted a fraudulent claim, you can expect your claim to be rejected. This is a serious offense and can result in further action being taken against you.

Here are some reasons why your insurance claim could be rejected:

If you're not satisfied with the outcome of your claim, you may be able to seek an external review. You have 30 calendar days from the date your complaint was made to request this review.

This review is an independent process that's available to you at no cost. You can contact the Australian Financial Complaints Authority (AFCA) to initiate this review.